Martini Mortgage Group

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Martini Mortgage Group Kevin Martini
NMLS # 143962
Certified Mortgage Advisor
Martini Mortgage Group I understand it is not just a house, it’s your home.

I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied past Clients, trusted financial advisers and the most experienced Realtors in Wake County ( Raleigh – Cary ) North Carolina

You can be sure that you are entrusting your home financing with one who ranks among the most qualified and ethical in the lending industry. In brief:

-) Married to my High School sweet-heart for close to 30 years; blessed with 2 beautiful children

-) Graduate of Nova Southeastern University: Huizenga School of Business & Entrepreneurship

-) in the financial services since the late 80’s

-) My career in the financial services has been built on honesty and integrity

-) provide price & cost clarity to my Clients

-) educate and provide choices for my Clients

-) my service exceeds industry standards & have been recognized as one of the Top 50 Mortgage Originator’s in the Country

My professional mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the financial service, I personally, and with my dedicated team, stand ready to assist you each and every step of the way. I invite you to reach out when the time is right to reach out so I can help you with your home loan financing with a confidential consultation. I look forward to help,

Kevin

Kevin Martini (NMLS #143962)
Certified Mortgage Advisor & Producing Branch Manager

507 N Blount St Raleigh, NC 27604

(919) 238-4934


Martini Mortgage Group at Gold Star Mortgage Financial Group. Corporation | NMLS # 3446 | www.MartiniMortgageGroup.com | [email protected] | Equal Housing Lender

What if you spend another year saving for a down payment—only to discover you could have qualified for help today?Before...
10/17/2026

What if you spend another year saving for a down payment—only to discover you could have qualified for help today?

Before you renew that lease, wouldn’t it make sense to find out?

Eligible North Carolina first-time homebuyers could receive $15,000 in down payment assistance. If you’re looking in Raleigh, Cary, Apex, Durham, or anywhere in NC, it’s worth exploring before assuming you need more time.

This doesn’t mean buying before you’re ready. It means knowing your options before deciding you’re not.

I’m Kevin Martini, a Raleigh mortgage lender. DM me “15K” and let’s find out whether this could fit your homebuying plan.

10/15/2026

Down payment assistance can help cover the upfront cash to buy a home, but it isn't always free money, so know how it's repaid first.


QUICK ANSWER
Down payment assistance helps buyers who can handle a monthly mortgage but don't have enough saved for the upfront cash. Whether it fits depends on eligibility, how the assistance is repaid, and whether the program still has funding.

WHAT IS DOWN PAYMENT ASSISTANCE?
Down payment assistance (also called DPA or homebuyer assistance) is money from a state housing agency, a city or county, a nonprofit or an employer that helps cover a buyer's down payment and sometimes closing costs.

THERE'S ANOTHER WAY
The belief: you can't buy until you've saved the whole down payment yourself.
The alternative: down payment assistance can close part of that gap. It usually comes in one of four forms:
1. A grant you don't repay.
2. A forgivable loan that is forgiven if you stay in the home for the required time.
3. A deferred loan with no monthly payment that you repay when you sell, refinance or pay off the mortgage.
4. A repayable loan with its own monthly cost alongside your mortgage.
It tends to fit buyers with steady income and good payment history who are short on savings and plan to stay in the home.

QUESTIONS PEOPLE ASK
Is down payment assistance free money?
Not always. Some programs are grants, but many are loans that must be repaid or are only forgiven if you meet the conditions.

Who qualifies for down payment assistance?
It depends on the program. Most look at income limits, purchase price limits, credit, owner occupancy, and completion of a homebuyer education course.

What happens if I sell or refinance?
With a deferred or unforgiven loan, the balance is usually due when you sell, refinance or pay off the mortgage, so plan for that before you commit.

Can down payment assistance funds run out?
Yes. Many programs have limited funding, so availability can change during the year.

Does down payment assistance cost more?
Some programs come with a higher rate than a standard mortgage or added fees, which is why comparing the full picture matters.

KEY TAKEAWAY
Not always free money. Know how it's repaid.

I'm Kevin Martini, a Certified Mortgage Advisor with Martini Mortgage Group, powered by Rate, in Raleigh, North Carolina. I help homebuyers and homeowners choose a mortgage that fits their life, not just their approval amount. Call my office at (919) 238-4934.

Learn more about Kevin Martini: https://vist.ly/5nkm8

Serving North Carolina, Florida, Indiana, Maryland, South Carolina, and Virginia.

Did you know this was an option? Comment YES or NO.

Educational content only. Not a commitment to lend.

💡 Thinking about buying a home or refinancing? Let's talk! Book a free mortgage strategy call here 👉 https://vist.ly/5nkmd

👥 Let's Connect!
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Don't forget to LIKE, COMMENT, and SUBSCRIBE for more homebuying & mortgage insights!

Meet Certified Mortgage Advisor & Raleigh Mortgage Broker

Kevin Martini is a Certified Mortgage Advisor and the founder of the Martini Mortgage Group. With a proven track record of helping families across North Carolina and beyond, Kevin has dedicated his career to simplifying the mortgage process and empowering his clients to make informed financial decisions. Whether it's purchasing a first home, refinancing, or creating generational wealth through real estate, Kevin's personalized approach ensures every client feels confident and prepared.

🍸 Contact Information:

Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group powered by Guaranteed Rate, Inc. D/B/A Rate | NMLS #2611 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | [email protected] | Equal Housing Lender

10/15/2026

Don’t go into your mortgage blind. A loan estimate gives you a preview of what your financing will look like, including the loan terms, interest rate and estimated payment. If mortgage lingo sounds like another language, I’m here to help.

Expand your homebuying vocabulary with our helpful guide or reach out to ask specific questions.
https://myoc.io/sGNUf/9nwM8



NMLS # 143962

DON'T imagine the seller paying part of your mortgage.Oops.Too late. 😏Now you're thinking about it.And if you're buying ...
10/15/2026

DON'T imagine the seller paying part of your mortgage.

Oops.

Too late. 😏

Now you're thinking about it.

And if you're buying a home in Raleigh, Cary, Apex, Wake Forest, or anywhere in the Triangle, you probably should be.

Because here's something many North Carolina homebuyers don't realize...

The seller may be willing to contribute money at closing that can help reduce YOUR mortgage payment during the first two years.

It's called a seller-funded 2-1 mortgage buydown.

No, the seller isn't going to mail your mortgage company a check every month.

Instead, an agreed-upon seller concession can fund temporary payment assistance at closing.

And depending on the numbers, that strategy could make more sense for your immediate cash flow than asking for a lower purchase price.

Could. Not always.

That's why you compare the options before making an offer.

Because sometimes the smartest negotiation isn't about getting the seller to take less.

It's about getting the seller's money to do more.

Now that you've imagined it… let's connect and see if we can make it happen.

📱 Call or text me personally at 919-274-3700.

🚨 MORTGAGE MYTH CRIME SCENE — CASE #002“PMI is just money thrown away.”I hear this one all the time.And yes — private m...
10/14/2026

🚨 MORTGAGE MYTH CRIME SCENE — CASE #002

“PMI is just money thrown away.”

I hear this one all the time.

And yes — private mortgage insurance costs money.

But here’s the question I think homebuyers should ask:

Is avoiding PMI worth putting substantially more of your cash into the house?

Imagine you could put 10% down and pay PMI, or use another $50,000 of your savings to reach 20% down and eliminate it.

The question isn’t simply, “How much does PMI cost?”

It’s also:

What happens to my monthly payment?

How much cash will I have left after closing?

What does that extra $50,000 accomplish by going into the house?

Could I need that money for reserves, renovations, emergencies, or another financial priority?

And how long am I actually likely to pay PMI?

Sometimes putting 20% down is absolutely the right move.

Sometimes preserving cash and paying PMI may make more sense.

That’s why I don’t believe PMI should automatically be labeled “money thrown away.”

It’s a cost — and that cost needs to be compared against the alternatives.

If you’re buying a home in Raleigh, Cary, Apex, Wake Forest, Durham, Chapel Hill, or anywhere in North Carolina, let’s run both scenarios before deciding how much cash you should put down.

📞 Kevin Martini | 919-274-3700

Don’t assume. Investigate. 🔎

10/14/2026

How’d you do on this edition of the mortgage pop quiz? The best way to begin your homebuying journey is knowing your budget. A pre-approval serves as a helpful starting point so you can focus on homes you can afford, save time and prevent the decision fatigue that comes with endless options.

I’m here to help you take the guesswork out of the big purchase.
https://myoc.io/sGNUf/XlXaP



NMLS # 143962

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declinin...
10/14/2026

September home sales were mixed, with sales increasing in the South and West, holding steady in the Midwest and declining in the Northeast compared to last month. Year-over-year sales are down in all four regions, but many buyers are still entering contracts thanks to a 1.9% increase in inventory.

Want to know how to make the most of this evolving market? Let’s talk.
https://myoc.io/sGNUf/1tG96



NMLS # 143962

10/13/2026

What if waiting for mortgage rates to drop ends up costing you more?

I get it.

Buying a home is a BIG decision. And when mortgage rates are higher than you'd like, waiting feels like the responsible thing to do.

But here's a question most Raleigh homebuyers aren't asking:

What is waiting actually costing you?

Because the purchase price is only one part of the equation.

In Raleigh, Cary, Apex, Wake Forest, and across the Triangle, some buyers may have opportunities to negotiate seller-paid closing costs, mortgage rate buydowns, or better purchase terms.

And those opportunities matter.

Here's the part I don't want you to miss:

You can potentially refinance a mortgage when conditions make sense.

But you can't go back and renegotiate the price you paid for your home.

Does that mean buying in 2026 is right for everyone? Of course not.

But waiting until 2027 without understanding your options isn't a strategy.

It's a guess.

And your financial future deserves better than a guess.

I'm Kevin Martini, a Raleigh mortgage lender. I help North Carolina homebuyers look beyond the interest rate and build a mortgage strategy focused on the low total cost of borrowing.

Before you decide to wait, let's find out what buying today could actually look like.

Call me at (919) 238-4934.

Clarity = Certainty. Certainty = Power.

NMLS # 143962

If you rent, you’re already paying a mortgage.It’s just your landlord’s.Most renters I talk to can handle a housing paym...
10/13/2026

If you rent, you’re already paying a mortgage.

It’s just your landlord’s.

Most renters I talk to can handle a housing payment. They’ve been proving it for years. What stops them is the down payment, the money it takes to get through the front door.

In North Carolina, the NC 1st Home Advantage Down Payment puts $15,000 toward that front door for eligible buyers. It’s a 0% second mortgage, and it’s forgiven over time if you stay.

The real estate market doesn’t reward timing. It rewards time in the market. Episode 257 of the Martini Mortgage Podcast is about starting your clock. Who do you know that’s still waiting?

“I keep reading that now isn’t the time.”I hear some version of that from neighbors all the time. The headlines change c...
10/12/2026

“I keep reading that now isn’t the time.”

I hear some version of that from neighbors all the time. The headlines change constantly, and trying to keep up can make anyone want to pause everything.

I’m Kevin Martini with Martini Mortgage Group in Raleigh, and I believe the better starting point is you. What are you hoping to build? What does your budget look like? What would waiting cost you, or give you?

Sometimes the answer is to move forward. Sometimes it’s to prepare longer. Either way, it should be your call, grounded in your situation, not someone else’s forecast.

What’s one headline that made you rethink your plans, and did it actually fit your situation?

Address

507 N Blount Street
Raleigh, NC
27604

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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